How to calculate the house loan?

How to calculate the housing provident fund loan?

In the process of buying and selling houses, applying for provident fund loans involves many problems and needs specific analysis. For example, how to apply for a provident fund loan? The loan amount of housing provident fund can only be determined by comprehensive calculation. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows: according to the repayment ability calculation formula, {(total monthly salary of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife )× repayment ability coefficient-total monthly repayment amount of both husband and wife }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution); According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans; According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the housing provident fund account balance when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the employee's and spouse's housing provident fund account balances), and if the housing provident fund account balance is less than 20,000, it shall be calculated as 20,000; According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.

How to calculate the house that is still owing on the loan after selling it?

If the house is still repaying the loan, if it is sold, it should be calculated: the selling price of the house-the total purchase price of the house at that time, deed tax, maintenance fund, decoration fee, property management fee and bank loan interest = the money earned.

If you want to sell a house whose loan has not been paid off, you must pay back the money from the bank before the house can be transferred to the buyer. If you have no money, you need a buyer to pay in advance, and the price may be lower. House price-the total purchase price of the house at that time, deed tax, maintenance fund, decoration cost, property management fee, bank loan interest = money earned.

Precautions:

1, remortgage. Mortgage means that the borrower sells the house as collateral, and the buyer of the house continues to repay the unexpired loan of the seller with the consent of the loan bank.

2. The seller pays off the remaining loan with the buyer's down payment. This method is widely used by everyone, and it is suitable for some cases where the original owner's loan amount is low, or after a large number of loans are repaid, the remaining loan amount in the house is not large.

3. Apply for a mortgage loan from the bank and pay off the remaining mortgage. If the remaining mortgage is too much to handle the mortgage transfer procedures, then you can consider paying off the remaining mortgage through bank loans. The seller may, according to his actual situation, apply to the bank for a mortgage loan with other collateral under his name to settle the mortgage loan of the house. After the buyer paid off the loan, he paid off the bank mortgage.

How to calculate the sale of houses in loans?

1, the calculation formula of equal principal and interest method. This method is to repay the loan on average, which is the same every month, with less pressure and more average. The formula is monthly repayment amount = monthly interest rate of principal [(65438+ 10 interest rate) n/[(65438+ 10 interest rate) n- 1]. In the formula, n represents the number of months of loan, and n represents the power of n, such as 240, which represents the power of 240 (loan for 20 years and 240 months).

2. The other is the calculation formula of the average capital method. This calculation method pays more in front and less in the back, and the repayment pressure is getting smaller and smaller, but the disadvantage is that the pressure in front is great. The basic formula is monthly repayment amount = principal /n monthly interest rate of remaining principal, and total interest = monthly interest rate of principal (loan months /20.5). If you have more money on hand, you can choose this method.

3. Compared with the above two methods, each has its own advantages. The former needs to repay more loans than the latter, and the average capital method needs less loans than the equal principal and interest method. But you should judge according to your own situation. The borrower can choose which way to repay the loan, and the bank will provide the way according to the customer's opinion.

A house with a loan

1. You can go to the loan bank to consult whether you can refinance the mortgaged property. If you can, you can transfer the loan you still owe to the bank to the buyer's name.

2. If the buyer doesn't want to continue the mortgage, he can also pay off the bank loan directly without bearing the loan interest.

3. If the banking department does not allow mortgage, you can find a formal guarantee company to redeem the deed. After the redemption of the deed, it is equivalent to canceling the mortgage relationship of the original house. In this case, the house can be traded. Of course, the guarantee company will charge fees.

4. You can find a formal intermediary company to pay off the loan first by collecting the advance payment from the buyer, but you need to go to the notary office for notarization, which requires a certain handling fee.

The loan has not been paid off. What about the loan paid before selling the house?

Look at the contents below and take your seats accordingly. After all, only you know your situation best.

1. First of all, whether the mortgaged property is registered or not, personal housing loans generally take the form of "phased guarantee plus mortgage loan", that is, before the mortgaged property is registered, the developer provides guarantee for the lender (purchaser), and after the mortgage registration is completed, the purchaser takes the purchased property as collateral.

2. The payment method of the buyer determines the complexity of the procedure. If the buyer agrees to pay the house price in one lump sum, he can repay the bank loan and interest with the transfer money first, and then go through the transfer formalities with the transferee after canceling the mortgage registration.

3. If the buyer also wants to mortgage, the loan bank must first examine the qualification of the buyer. If the buyer meets the loan conditions of the bank, the loan bank will first terminate the loan contract, settle the previous loan principal and interest, and sign a new loan contract with the transferee for the remaining outstanding loans.

Extended data

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.